Not necessarily if like me you sometimes forget to transfer money over and get shafted for it by maybe 2/3 hours. I don't know the ins & outs of this case but I would assume that by not providing enough evidence it may be that he was using an unauthorised overdraft to live on or something. I don't believe for one minute that First Direct deserve to take 30.00 from me because I didn't phone them until the next morning to transfer the funds from another account, also with them. I have yet to make a claim, but will still be doing so.